PL402602A1 - Authentication method in the system of payments with mobile equipment - Google Patents

Authentication method in the system of payments with mobile equipment

Info

Publication number
PL402602A1
PL402602A1 PL402602A PL40260213A PL402602A1 PL 402602 A1 PL402602 A1 PL 402602A1 PL 402602 A PL402602 A PL 402602A PL 40260213 A PL40260213 A PL 40260213A PL 402602 A1 PL402602 A1 PL 402602A1
Authority
PL
Poland
Prior art keywords
recipient
server
user
sent
memory segment
Prior art date
Application number
PL402602A
Other languages
Polish (pl)
Inventor
Marcin Szary
Krzysztof Tokarczyk
Anna Fuk
Original Assignee
Dco4 Spółka Z Ograniczoną Odpowiedzialnością
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Dco4 Spółka Z Ograniczoną Odpowiedzialnością filed Critical Dco4 Spółka Z Ograniczoną Odpowiedzialnością
Priority to PL402602A priority Critical patent/PL402602A1/en
Publication of PL402602A1 publication Critical patent/PL402602A1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3278—RFID or NFC payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

Przedmiotem wynalazku jest sposób uwierzytelniania w układzie płatności ze sprzętem mobilnym, poprzez bezprzewodową transmisję danych pomiędzy przenośnym urządzeniem telekomunikacyjnym z modułem NFC użytkownika zatwierdzającego, etykietą NFC odbiorcy, z której pobierany jest pakiet informacji i izolowanym komputerowym systemem księgowania operacji skomunikowanym z systemem komputerowym odbiorcy zaopatrzonym w terminal płatności odbiorcy, z którego pozyskuje się dane w postaci cyfrowej i przesyła się do serwera bankowego, w którym dokonuje się zapisu operacji w segmentach pamięci dedykowanych odbiorcy i użytkownikowi, sprawdza się stan zapisów i do terminala płatności wysyła się odpowiedź z serwera systemu księgowania operacji, charakteryzuje się tym, że pakiet informacji A0 z etykiety NFC odbiorcy poprzez przenośne urządzenie użytkownika przesyła się do segmentu pamięci serwera przypisanego do odbiorcy w systemie księgowania operacji i po dodaniu danych pozyskanych z terminala odbiorcy przesyła się zwrotnie do przenośnego urządzenia użytkownika, który pełen pakiet informacji A wysyła do serwera bankowego użytkownika, po czym w serwerze bankowym użytkownika dokonuje się zapisów zleconej operacji w segmencie pamięci użytkownika i w segmencie pamięci przypisanym do systemu księgowania operacji, przy czym przy pomocy serwera księgowania operacji systematycznie w czasie krótszym niż co 5 sekund sprawdza się zapisy w segmencie pamięci serwera bankowego przypisanym do systemu księgowania operacji, i następnie wytwarza się pakiet informacji B, który przy pomocy serwera systemu księgowania operacji wysyła się do serwera bankowego odbiorcy, tam dokonuje się zapisów zleconej operacji w segmencie pamięci przypisanym do odbiorcy i w segmencie pamięci przypisanym do systemu księgowania operacji i pakiet informacji B0 przy pomocy serwera systemu księgowania operacji wysyła się do terminala odbiorcy. Korzystnie zaszyfrowany pakiet informacji z etykiety NFC odbiorcy korzystnie deszyfruje się kluczem publicznym kryptografii asymetrycznej w uruchomionej aplikacji przenośnego urządzenia użytkownika. Pakiet informacji do segmentu pamięci serwera przypisanego do odbiorcy przesyła się w postaci odszyfrowanej lub częściowo zaszyfrowanej. Opcjonalnie pakiet informacji z etykiety NFC w postaci unikalnego zestawu znaków przesyła się do systemu księgowania operacji.The subject of the invention is a method of authentication in a payment system with mobile equipment, through wireless data transmission between a portable telecommunications device with an approving user's NFC module, the recipient's NFC label from which the information packet is downloaded, and an isolated computerized transaction accounting system connected to the recipient's computer system equipped with a terminal payments to the recipient, from whom data are obtained in digital form and sent to the bank server, where operations are recorded in memory segments dedicated to the recipient and user, the status of records is checked and a response is sent from the payment accounting server to the payment terminal, characterized by the fact that the A0 information packet from the recipient's NFC label via the user's portable device is sent to the server's memory segment assigned to the recipient in the transaction accounting system and after adding The data obtained from the recipient's terminal is sent back to the user's mobile device, which sends the full information package A to the user's bank server, and then the user's bank server records the ordered operation in the user's memory segment and in the memory segment assigned to the transaction accounting system, using with the help of the transaction booking server, the records in the banking server memory segment assigned to the transaction booking system are systematically checked in less than every 5 seconds, and then the B information package is generated, which is sent to the recipient's bank server using the transaction accounting system server, there, entries of the ordered operation are made in the memory segment assigned to the recipient and in the memory segment assigned to the transaction accounting system, and the B0 information packet is sent to the recipient's terminal by means of the transaction accounting system server. Preferably, the encrypted packet of information from the recipient's NFC label is preferably decrypted with the asymmetric cryptography public key in the running application of the user's mobile device. The information packet for the server memory segment assigned to the recipient is sent in decrypted or partially encrypted form. Optionally, the information packet from the NFC label in the form of a unique character set is sent to the transaction accounting system.

PL402602A 2013-01-29 2013-01-29 Authentication method in the system of payments with mobile equipment PL402602A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PL402602A PL402602A1 (en) 2013-01-29 2013-01-29 Authentication method in the system of payments with mobile equipment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PL402602A PL402602A1 (en) 2013-01-29 2013-01-29 Authentication method in the system of payments with mobile equipment

Publications (1)

Publication Number Publication Date
PL402602A1 true PL402602A1 (en) 2014-08-04

Family

ID=47757676

Family Applications (1)

Application Number Title Priority Date Filing Date
PL402602A PL402602A1 (en) 2013-01-29 2013-01-29 Authentication method in the system of payments with mobile equipment

Country Status (1)

Country Link
PL (1) PL402602A1 (en)

Similar Documents

Publication Publication Date Title
US11748746B2 (en) Multi-path communication of electronic device secure element data for online payments
US10878414B2 (en) Multi-path communication of electronic device secure element data for online payments
JP2015508541A5 (en)
US9818113B2 (en) Payment method using one-time card information
CN104918237B (en) The method, communication master device, communication of wireless communication connection are established from equipment, server and system
EP3430829B1 (en) Managing program credentials on electronic devices
MY167726A (en) System and method for enabling transactions on an associated network
MX2017012298A (en) Payment processing system using encrypted payment information, and method therefor.
CN113344570A (en) Method for transmitting and processing transaction message and data processing device
SG11201806131YA (en) Credit payment method and apparatus based on card emulation of mobile terminal
CN104463001A (en) Method for independently generating and storing encrypted digital currency private key and device for bearing encrypted digital currency private key
JP6204854B2 (en) Information providing system, information providing method, near field communication device, information providing apparatus and server
MY180880A (en) A method for recording electronic attendance
MY192339A (en) Method and apparatus for service implementation
PH12018501541A1 (en) Credit payment method and apparatus based on mobile terminal ese
RU2013149120A (en) METHOD AND SYSTEM FOR PROTECTING INFORMATION FROM UNAUTHORIZED USE (OPTIONS)
CN104050431A (en) Self-signing method and self-signing device for RFID chips
JP2015536508A (en) Transaction processing method using dynamic PAN
US9246677B2 (en) Method and system for secure data communication between a user device and a server
JP6845853B2 (en) Systems and methods for self-calculating token vaults
GB2573929A (en) Dynamic barcode ticketing carrying encrypted validation transactions
PL408651A1 (en) Method for payment authorization in mobile devices
GB2515431A (en) Unified identity management for mobile web payments
PL402602A1 (en) Authentication method in the system of payments with mobile equipment
CN109816525A (en) A kind of data processing method and its device, medium, terminal